12 Merchant St, Worcester, MA 01603 Property Records

Worcester County and Worcester City property record for 12 Merchant St, Worcester, MA 01603

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,412 sqft · built 2002
Lot Size	0.105 acres (4,553 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Mar 2022)
Tax Bill	$4,810 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-009-0002B`

Property Details

APN / Parcel Number

Primary APN	`15-009-0002B`
Alternative APN	`WORC M:15 B:009 L:0002B`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,412 sqft Living Area
Gross Area	2,186 sqft
1st Floor Area	626 sqft
Basement Area	386 sqft
Unfinished Basement	386 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,553 sqft (0.105 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	15-009-0002B
Street Address	12 MERCHANT ST
City	WORCESTER
State	MA
Zip	01603-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Subdivision	WORCESTER
Legal Block	9
Legal Lot Number	2B
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	1
Census Block	1012
Census Tract	731001

Owner

12 Merchant St is owned and occupied by an individual who bought it in March 2022.

Source: Worcester County and Worcester City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	12 MERCHANT ST, WORCESTER, MA 01603-1216
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2022 · Amount on File
Deed Sale	Mar 18, 2022 · Amount on File
Prior Sale	Aug 13, 2010 · Amount on File
Deed Book / Page	67293 / 138
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Mar 18, 2022
Property Address	12 MERCHANT ST, WORCESTER, MA 01603-1216
Document Number	067293-138
Book / Page	67293 / 138
Instrument Date	Mar 18, 2022
Instrument	30810
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12 MERCHANT ST, WORCESTER, MA 01603-1216

Mortgage

Document Number	0000030811
Date	Mar 18, 2022
Instrument	30811

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 12 Merchant St was $4,810, up 5.1% from the year before.

Source: Worcester County and Worcester City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,810.00 (+5.09%)	$362,174 (+4.37%) Land $80,774 Building $281,400	$403,268
2025	$4,577.00	$346,995 Land $75,995 Building $271,000
2023	$4,040.00	$281,695 Land $66,095 Building $215,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 Merchant St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2011 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 12 Merchant St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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